Frost Bank

Frost Bank of San Antonio, TX, chartered 1899: 210 offices, $54.0bn in assets, a 9.08% leverage ratio. Straight from the federal record.

Frost Bank is an FDIC-insured bank headquartered in San Antonio, TX, chartered in 1899. It is supervised by the Federal Reserve and held by Cullen Frost Bankers Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Frost Bank has branches

210 full-service offices across 1 state:

• Texas: 210 offices in 86 towns, holding $42.2bn at 30 June 2025

Frost Bank on its latest Call Report, 30 June 2026

• Total assets: $54.0bn
• Total deposits: $43.7bn
• Tier 1 leverage ratio: 9.08%
• Total risk-based capital ratio: 15.42%
• Noncurrent loans, as a share of loans: 0.55%
• Return on assets: 1.31%
• Net interest margin: 3.62%
• Staff: 6,103

Frost Bank by town

Towns where it runs more than one office, busiest first. Each opens every one of its branches there.

• Frost Bank in Houston, TX — 32 branches

Compare Frost Bank against every other bank with a branch in Texas, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.